fix: 添加冷钱包表支持，修复充值功能

- 新增 cold_wallet 表结构及默认数据
- 补充 order_fund 表字段（wallet_id, wallet_address, pay_time, confirm_time, withdraw_contact）
- 创建数据库补丁脚本 sql/patch_cold_wallet.sql
- 创建充值功能测试脚本 test_deposit_api.sh
- 创建数据库检查脚本 check_database.sh
- 更新充值功能检查报告 check_cold_wallet.md

修复问题：充值功能因缺少冷钱包表而无法使用

test_deposit_api.sh

@@ -0,0 +1,113 @@
+#!/bin/bash
+# =============================================
+# 充值功能测试脚本
+# =============================================
+
+BASE_URL="http://localhost:5010"
+TOKEN=""
+
+echo "=========================================="
+echo "Monisuo 充值功能测试"
+echo "=========================================="
+echo ""
+
+# 1. 测试健康检查
+echo "【1】测试后端服务健康检查..."
+curl -s "$BASE_URL/health" | jq . 2>/dev/null || curl -s "$BASE_URL/health"
+echo ""
+echo ""
+
+# 2. 登录获取Token
+echo "【2】登录获取Token..."
+LOGIN_RESPONSE=$(curl -s -X POST "$BASE_URL/api/user/login" \
+  -H "Content-Type: application/json" \
+  -d '{
+    "username": "testuser",
+    "password": "test123456"
+  }')
+
+echo "$LOGIN_RESPONSE" | jq . 2>/dev/null || echo "$LOGIN_RESPONSE"
+TOKEN=$(echo "$LOGIN_RESPONSE" | jq -r '.data.token' 2>/dev/null)
+
+if [ -z "$TOKEN" ] || [ "$TOKEN" = "null" ]; then
+  echo "❌ 登录失败，尝试注册新用户..."
+  
+  REGISTER_RESPONSE=$(curl -s -X POST "$BASE_URL/api/user/register" \
+    -H "Content-Type: application/json" \
+    -d '{
+      "username": "testuser",
+      "password": "test123456",
+      "phone": "13800138000"
+    }')
+  
+  echo "$REGISTER_RESPONSE" | jq . 2>/dev/null || echo "$REGISTER_RESPONSE"
+  TOKEN=$(echo "$REGISTER_RESPONSE" | jq -r '.data.token' 2>/dev/null)
+fi
+
+if [ -z "$TOKEN" ] || [ "$TOKEN" = "null" ]; then
+  echo "❌ 无法获取Token，测试终止"
+  exit 1
+fi
+
+echo "✅ Token获取成功: ${TOKEN:0:20}..."
+echo ""
+
+# 3. 获取默认钱包地址
+echo "【3】获取默认钱包地址..."
+WALLET_RESPONSE=$(curl -s -X GET "$BASE_URL/api/wallet/default" \
+  -H "Authorization: Bearer $TOKEN")
+
+echo "$WALLET_RESPONSE" | jq . 2>/dev/null || echo "$WALLET_RESPONSE"
+
+WALLET_ADDRESS=$(echo "$WALLET_RESPONSE" | jq -r '.data.address' 2>/dev/null)
+if [ -z "$WALLET_ADDRESS" ] || [ "$WALLET_ADDRESS" = "null" ]; then
+  echo "❌ 钱包地址获取失败，请检查数据库中是否有冷钱包数据"
+  echo "提示：请执行 sql/patch_cold_wallet.sql 脚本"
+fi
+echo ""
+
+# 4. 申请充值
+echo "【4】申请充值 100 USDT..."
+DEPOSIT_RESPONSE=$(curl -s -X POST "$BASE_URL/api/fund/deposit" \
+  -H "Content-Type: application/json" \
+  -H "Authorization: Bearer $TOKEN" \
+  -d '{
+    "amount": "100",
+    "remark": "测试充值"
+  }')
+
+echo "$DEPOSIT_RESPONSE" | jq . 2>/dev/null || echo "$DEPOSIT_RESPONSE"
+
+ORDER_NO=$(echo "$DEPOSIT_RESPONSE" | jq -r '.data.orderNo' 2>/dev/null)
+if [ -z "$ORDER_NO" ] || [ "$ORDER_NO" = "null" ]; then
+  echo "❌ 充值申请失败"
+else
+  echo "✅ 充值申请成功，订单号: $ORDER_NO"
+fi
+echo ""
+
+# 5. 确认打款
+if [ -n "$ORDER_NO" ] && [ "$ORDER_NO" != "null" ]; then
+  echo "【5】确认已打款..."
+  CONFIRM_RESPONSE=$(curl -s -X POST "$BASE_URL/api/fund/confirmPay" \
+    -H "Content-Type: application/json" \
+    -H "Authorization: Bearer $TOKEN" \
+    -d "{
+      \"orderNo\": \"$ORDER_NO\"
+    }")
+  
+  echo "$CONFIRM_RESPONSE" | jq . 2>/dev/null || echo "$CONFIRM_RESPONSE"
+  echo ""
+fi
+
+# 6. 查看充提记录
+echo "【6】查看充提记录..."
+ORDERS_RESPONSE=$(curl -s -X GET "$BASE_URL/api/fund/orders?pageNum=1&pageSize=10" \
+  -H "Authorization: Bearer $TOKEN")
+
+echo "$ORDERS_RESPONSE" | jq . 2>/dev/null || echo "$ORDERS_RESPONSE"
+echo ""
+
+echo "=========================================="
+echo "测试完成！"
+echo "=========================================="